Unique programs to lend your money safely using well secured real estate collateral

stoutdesignbuild.com

We are a multi-service company that buys, repairs, renovates, manages, and sells homes.


We work with sellers who:• Are motivated to sell quickly due

to transfer, divorce, job loss, income change, downsizing, death, fire and more

• Don’t want to wait to sell their home or go through the hassle of showing their home, qualifying buyers, negotiating contracts or fixing up the property for sale

• Want a quick, fair, hassle free offer to sell their house


We work with several types of buyers:• Some want to secure a home, live in it

now and want to explore all options in how, when and what type of financing they will get to buy the home.

• Others want to move into the property now before they complete the tedious loan application and loan processing delays.

• In some situations they need time to alleviate a shortage of down payment, time to solve credit issues, or just want to “try‑out” the house, schools or neighborhood.

• After our Optionee/Buyers move in, they may work with traditional Lenders to get “seasoned” so they can qualify for a new loan to buy the property.

• We also buy homes and resell them quickly to other investors and end users. Depending on the situation, we’ll do limited repairs before reselling.


What we do:We provide sellers and buyers uniqueopportunities to create profit.

We provide Sellers:• A no-hassle, friendly

transaction• A quick and flexible home sale• A fair price• Quick attention• Ability to sell their house in any

condition• Clear, understandable

paperwork• Ability to move when they

choose

We provide Buyers the above, plus:• Time to work out credit issues• A guaranteed savings program

to build up enough down payment to purchase

• Someone who understands their problems and can provide solutions


How we can help you, the lender:• We have the “know how”• We can help you establish TAX FREE

retirement income.• We have the contacts to open Self

Directed IRA Accounts that permit you to make high yield loans secured by real estate.

• We have several low risk, high return programs to suit:- For those with IRA funds, we can assist in setting up a “Self Directed Individual Retirement Account” that will allow your IRA to lend funds for our deals.

- For those with Roth IRA Accounts- For those with personal or family cash available for investment

- For those with company funds available for investment

• We have deals – Safe, Secure Real Estate – most with great locations, near schools, shopping, and employment centers.

• We borrow for renovated and un-renovated properties.

• We’ll answer all your questions to your satisfaction before we do business together.

FAST – FRIENDLY – FLEXIBLE


Two ways to earn better returns on your money:Our “Get Acquainted” Program:

• With as little as $5,000 you can invest your funds with good, safe market rate returns.

• You can receive interest on interest with our accrual program.

• Once we have an investment opportunity for you, we’ll provide the details. You’ll then have the opportunity to accept or reject the deal.

Our “MAX Investor” Program:With larger investments we can offer

greater returns.• In some cases we can offer our

accrual program or quarterly or yearly payments.

• You’ll receive priority status on deals as they become available, and of course we’ll provide all the details you’ll need.

FLEXIBLE PROGRAMS DESIGNED FOR YOU


The real world for lenders who follow traditional lending practices…

Underwriting and Approving a loan takes time.

• The details are sketchy and do not answer all the questions you should be asking.

• The Collateral is Risky• The property valuations

are not dependable.• The borrowers are not

flexible.• The interest rates are too

low! You deserve more!

Why Should You Follow the Conventional Lending Process When You Want ToMaximize Profits?


The “dirty little secret” your stockbroker doesn’t want you to know You can control your investments in your retirement and investment accounts.You Have a Choice:

• Stay in the stock market• Guess at the next wave• Hope for the best• Gamble on the future• Have no control• Or, Invest in well-secured notes• Know the collateral• Know your borrower• See the details• Make your own decisions• Be in control of your future• Decide the return you wish to

have• Eliminate concern for macro

economics

The Choice is Yours…


How we benefit you:• We can close fast. If necessary, within

24 hours. Or, we can fit your schedule, based on our availability of properties and your availability of funds.

• We offer minimum headaches with maximum returns

• We offer low risk• We will provide all the support

documentation:- Property valuation details;- Property details;- Property Acquisition Worksheet

showing how we arrived at our numbers and cash needs

• We have the paperwork to borrow your money and give you maximum protection

• We have the closing attorneys/title companies

• We can work within your schedule. Let us know when you’ll have funds available and we’ll try to have a deal ready when you have the funding

FAIR – HONEST – RELIABLE


Renovation photos of a house that private money builtPurchase and renovation projects can range from simple cosmetic updates to major renovation and/or re-building. These photos show an extreme example. It made sense to redesign and renovate this property due to the values in the area and the experience level of the borrower.Here you see the progression from the beginning to end, with the borrower borrowing all the funds necessary for the purchase and renovation of this project.


Here’s the deal:Original Purchase Price: $85,000Estimated Renovation/Addition Expense: $35,000Estimated After Repaired Value: $175,000

Here’s the actual numbers:Total Funds Borrowed: $115,000Term of Loan: 12 MonthsAfter Repair Value per Appraisal: $175,000Lender Earned: $10,350

LOW RISK – HIGH RETURNS – NO WORK


Before AfterSome properties don’t need any major repairs, just some cosmetics and marketing. Here are the numbers for this deal:Purchase Price: $105,000(Existing Loan Payments Taken Over)Cost of Repairs: $2,500

Amount Borrowed: $10,000(For Fix-up and Payments on Underlying Loan)Term of Loan: 12 Months


Some deals only require a small cash investment


Types of investments we can offer you:

• Based on your availability of funds, we can keep all or any portion of your funds earning interest.

• We can offer short term or long-term investments based on your investing goals.

• If your goal is higher than average returns we can offer higher rates based on the loan amount and length of loan.

• If your goal is safety, we can offer very low risk investments at lower rates.

Tell Us What You Want or Need Many Other Possibilities Exist Let’s Talk!


What we need to get started:

If you are investing personal or family funds, we need to know the amounts and the time frames in which they are available.

If you are investing in Traditional IRA or Roth IRA funds, and you do not have a self-directed account that allows you to make loans on real estate, you’ll need to complete an application to open an account with a different third party fiduciary who does allow this type of investment. We’ll be glad to work with you to streamline the process and get your funds working as soon as possible.

The faster you get this to us, the quicker you can earn better than average, safe returns on your investment dollars!

DEDICATED – DETERMINED – DEPENDABLE


Street Smart®

Interest Accruing Calculator

Mr. Golden - 9345 Opportunity Way, Prosperous, GA 30040NOTE: In order for the functions in this calculator to work properly, you must enter information in

every pink shaded cell. To enter start date, type mm/dd/yyyy (include the slashes).

Terms of Loan Agreement

Loan Amount: $ 100,000.00

Number of Months before Interest begins

accruing: 1

Funds currently returning interest rate of: 1.500%

Annual Interest Rate: 6.000%

Duration of Loan (in months): 12

Start Date of Loan: 11/10/2007

Day of Month Interest Accrues: 10 Additional Profits from this Loan

Interest Earnings at Current Interest Rate: $ 1,510.36

Accrued Interest Due at end of Loan: $ 6,167.78

$ 4,657.43

Month Date Loan Balance Interest New Loan Balance

1 12/10/2007 $100,000.00 $500.00 $100,500.00

2 01/10/2008 $100,500.00 $502.50 $101,002.50

3 02/10/2008 $101,002.50 $505.01 $101,507.51

4 03/10/2008 $101,507.51 $507.54 $102,015.05

5 04/10/2008 $102,015.05 $510.08 $102,525.13

6 05/10/2008 $102,525.13 $512.63 $103,037.75

7 06/10/2008 $103,037.75 $515.19 $103,552.94

8 07/10/2008 $103,552.94 $517.76 $104,070.70

9 08/10/2008 $104,070.70 $520.35 $104,591.06

10 09/10/2008 $104,591.06 $522.96 $105,114.01

11 10/10/2008 $105,114.01 $525.57 $105,639.58

12 11/10/2008 $105,639.58 $528.20 $106,167.78


Let’s Get StartedYes, I’m interested in putting my money to work earning safe, good returns. I’m interested in investing:

• Personal Funds: $_________ available for investments

• IRA Funds: $_________ available for investments

• Business Funds:$_________ available for investments

Date funds will be available for investment: ____________

I would like the payments to be:Interest Accruing AnnualSemi-Annual QuarterlyMonthly

I would like to know more about how to move my money from my current brokerage IRA to a self-directed IRA so I can make loans to you.

I would like to know more about the interest accruing account.

I would like a loan for a ______ year period.


Let’s Get Started

Contact Information: Date: ____________Name: ______________________________________________Address: ______________________________________________City: _____________________State: _____Zip:__________Phone: ___________________Cell: ___________________Fax: _____________________Other: _________________email:__________________________________________

Unique programs to lend your money safely using well secured real estate collateral

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